This insurance policy is underwritten by Old Mutual Insurance Company (A member of the Old Mutual Group). The insurance coverage that this policy provides shall be at all times subject to the terms and conditions of the policy contract issued by Old Mutual Insurance Company. Standard Chartered Bank shall not be responsible for Old Mutual Insurance Company's actions or decisions under the policy contract nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy contract issued by Old Mutual Insurance Company. Premium holidays are not permitted.